First Community Credit Union
Verified rate book
Current First Community Credit Union rates
44 published offers verified as of August 3, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Member's Best Home Loan30 year fixed | 6.016% APR | 6.016% | — | Standard |
| 30-Year Fixed30 year fixed | 6.500% APR | 6.500% | — | Standard |
| 15-Year Fixed15 year fixed | 6.500% APR | 6.500% | — | Standard |
| 20-Year Fixed20 year fixed | 6.500% APR | 6.500% | — | Standard |
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 36-Month Used Auto Loan (2019 and Newer)auto_used_36mo | 4.750% APR | 4.750% | 36 mo · used | Standard |
| New or Used Auto Loanauto_any_36mo | 4.750% APR | 4.750% | 36 mo · any | Standard |
| 36-Month New Auto Loan (2019 and Newer)auto_new_36mo | 4.750% APR | 4.750% | 36 mo · new | Standard |
| 60-Month New Auto Loan (2019 and Newer)auto_new_60mo | 4.990% APR | 4.990% | 60 mo · new | Standard |
| 60-Month Used Auto Loan (2019 and Newer)auto_used_60mo | 4.990% APR | 4.990% | 60 mo · used | Standard |
| 72-Month New Auto Loan (2019 and Newer)auto_new_72mo | 5.500% APR | 5.500% | 72 mo · new | Standard |
| 72-Month Used Auto Loan (2019 and Newer)auto_used_72mo | 5.500% APR | 5.500% | 72 mo · used | Standard |
| ATV, Boat, RV Loanpowersports_any_60mo | 6.250% APR | 6.250% | 60 mo | Standard |
| 84-Month Used Auto Loan (2019 and Newer)auto_used_84mo | 6.500% APR | 6.500% | 84 mo · used | Standard |
| 84-Month New Auto Loan (2019 and Newer)auto_new_84mo | 6.500% APR | 6.500% | 84 mo · new | Standard |
| 60-Month Motorcycle Loanmotorcycle_any_60mo | 6.500% APR | 6.500% | 60 mo | Standard |
| 72-Month Motorcycle Loanmotorcycle_any_72mo | 6.990% APR | 6.990% | 72 mo | Standard |
| ATV, Boat, RV Loanpowersports_any_84mo | 7.500% APR | 7.500% | 84 mo | Standard |
| ATV, Boat, RV Loanpowersports_any_120mo | 8.500% APR | 8.500% | 120 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| First Line Equityheloc | 7.490% APR | 7.490% | — | Standard |
| Choice Equityheloc | 8.250% APR | 8.250% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Stock Secured Loanpersonal_secured_60mo | 6.000% APR | 6.000% | 60 mo | Standard |
| Home Improvement Loanpersonal_unsecured_120mo | 8.000% APR | 8.000% | 120 mo | Standard |
| The Wedding Loan (Signature Loan)personal_unsecured_60mo | 8.250% APR | 8.250% | 60 mo | Standard |
| Vacation/Holiday Loanpersonal_unsecured_12mo | 9.000% APR | 9.000% | 12 mo | Standard |
| Member's Choice (Signature Loan)personal_unsecured_60mo | 10.450% APR | 10.450% | 60 mo | Standard |
| Personal Line of Creditploc_variable | 12.950% APR | 12.950% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Credit Cardcredit_card | 7.900% APR | 7.900% | — | Standard |
Savings & CD rates
16 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Savingsshare_savings | 0.25% APY | 0.25% | — | Standard |
| Individual Retirement Accounts (IRA)ira | 0.25% APY | 0.25% | — | Standard |
| Business Savingssavings | 0.25% APY | 0.25% | — | Standard |
| Money Management (Money Market)money_market | 2.30% APY | 2.30% | — | Standard |
| 72-Month Certificatecd_72mo | 2.80% APY | 2.80% | 72 mo | Standard |
| Money Management (Money Market)money_market | 2.90% APY | 2.90% | — | Standard |
| Health Savings Accounts (HSA)savings | 3.05% APY | 3.05% | — | Standard |
| Money Management (Money Market)money_market | 3.05% APY | 3.05% | — | Standard |
| 36-Month Certificatecd_36mo | 3.15% APY | 3.15% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 3.20% APY | 3.20% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 3.30% APY | 3.30% | 60 mo | Standard |
| 24-Month Certificatecd_24mo | 3.35% APY | 3.35% | 24 mo | Standard |
| 6-Month Certificatecd_6mo | 3.45% APY | 3.45% | 6 mo | Standard |
| 15-Month Certificatecd_15mo | 3.50% APY | 3.50% | 15 mo | Standard |
| 12-Month Certificatecd_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
| 18-Month Certificatecd_18mo | 3.55% APY | 3.55% | 18 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New You Loanother | 10.450% % | 10.450% | — | Standard |
As of August 3, 2026, First Community Credit Union offers a 30-year fixed mortgage at 6.016% APR. Vehicle loans available from 4.75% APR for 36 months. HELOC rates from 7.49% APR. Personal loan rates from 6% APR. Credit card rates from 7.9% APR. Savings and certificate yields up to 3.55% APY.
Source: RateAPI.dev, verified from First Community Credit Union's official website
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About First Community Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 347.8K
- Assets
- $5B
- Founded
- 1934
- Locations reported
- 42
- NCUA charter
- 67619
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Community Credit Union
Membership eligibility from First Community Credit Union's own published criteria. How we verify this.
Community charter: live/work in St. Louis, St. Louis City, St. Charles +6 more
- LocationSt. Louis, St. Louis City, St. Charles, Jefferson, Warren, Franklin, Madison, Monroe, St. Clair
Verified from First Community Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Community Credit Union?
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Frequently Asked Questions
What rates does First Community Credit Union offer?
First Community Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are First Community Credit Union rates updated?
RateAPI verifies First Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get First Community Credit Union's rate data?
Rate data is collected directly from First Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Community Credit Union's mortgage rate?
As of August 3, 2026, First Community Credit Union offers a 30-year fixed mortgage at 6.016% APR.
What are First Community Credit Union's auto, motorcycle & powersports loan rates?
As of August 3, 2026, First Community Credit Union offers vehicle loans from 4.75% APR.
What is First Community Credit Union's HELOC rate?
As of August 3, 2026, First Community Credit Union offers home equity lines of credit from 7.49% APR.
What is First Community Credit Union's personal loan rate?
As of August 3, 2026, First Community Credit Union offers personal loans from 6% APR.
What is First Community Credit Union's best CD rate?
As of August 3, 2026, First Community Credit Union offers savings and certificate (CD) yields up to 3.55% APY.
Related Rate Data
Compare First Community Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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